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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,800 | $58,895-74.9% | $178,503-91.7% | $73,497-79.9% |
| Participation rate | 77.8% | 66.2%+11.5pp | 81.9%-4.2pp | 70.7%+7.1pp |
| Annual return | 15.24% | 24.86%-9.6pp | 151.12%-135.9pp | 28.51%-13.3pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,636 | $2,567-36.3% | $5,202-68.6% | $3,740-56.3% |
| Admin fee / account holder | $664 | $400+65.9% | $13,987-95.3% | $513+29.5% |